38 Pine St, Waterford, CT 06385 Property Records

Waterford Town property record for 38 Pine St, Waterford, CT 06385

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1962
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$199,000 (Oct 2018)
Tax Bill	$3,818 (2026)
Deeds & Mortgages	Aug 2020 Refinance Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WATE M:134 L:6279`

Property Details

APN / Parcel Number

Primary APN	`WATE M:134 L:6279`
Alternative APNs	`WFRD M:134 L:6279` `0582400` `582400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,445 sqft
Basement Area	352 sqft
Unfinished Basement	352 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	582400
Street Address	38 PINE ST
City	WATERFORD
State	CT
Zip	06385-2410
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	VR-10
Legal Lot Number	6279
Jurisdiction	WATERFORD CT
Township / Civil Division	WATERFORD
Census Block Group	2
Census Block	2001
Census Tract	693400

Owner

Source: Waterford Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	38 PINE ST, WATERFORD, CT 06385-2410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Oct 26, 2018	Warranty Deed, Transfer UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Deed Book / Page	1575 / 133
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WATERFORD CT
Property Address	38 PINE ST, WATERFORD, CT 06385-2410
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1659-320
Date	Aug 11, 2020
Book Page	1659/320
Instrument	155861

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WATERFORD CT
Recording Date	Oct 26, 2018
Property Address	38 PINE ST, WATERFORD, CT 06385-2410
Document Number	1575-133
Book / Page	1575 / 133
Transaction Type	Transfer
Record Updated	May 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.44
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15750135
Date	Oct 26, 2018
Instrument	01575/0135

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2048

Tax Assessment & Valuation

Source: Waterford Town assessment roll, as of June 25, 2026

Property Jurisdictions

Type	Name
State	Connecticut
County Subdivision	Waterford Town
Unified School District	Waterford School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,818.00 (+8.22%)	$155,600 (+3.02%) Land $55,640 Building $99,960	$327,071 (+209.35%)
2025	$3,528.00	$151,040 (-) Land $55,640 Building $95,400	$105,728 Land $38,948 Building $66,780
2024	$3,528.00 (+10.18%)
2023	$3,202.00	$151,040 Land $55,640 Building $95,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 20, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Connecticut
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERFORD WPCA serves 16,578 people · EPA ID CT1520071
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 346 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
Breezeline Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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